Introduction It is said that marine insurance started sometime by the end 12th century in North Italy though some writers opine that it was in 3000 BC (not in the present form) when the Chinese merchants were dispersing their shipments along with several vessels with a view to minimize the damage to the shipments. Then a time came when the insurance of ships and cargo came in the form of bottomry that was essentially a monetary protection in the case the cargo is lost at sea or damaged. Then‚
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Types of Life Insurance Policy Term Policy Term life insurance is the most affordable type of life insurance available. It is designed to meet temporary life insurance needs; providing protection for a specified period of time‚ the term. For example‚ a term of 10‚ 20 or 30 years. This type of life insurance makes sense if you have financial needs that will diminish over time‚ such as a home mortgage or a child’s tuition. Each year‚ a premium is paid to cover the risk of death during that year
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Air pollution and its health impacts on three cities Air pollution has a significant impact on human health. It can cause death by compromising the respiratory and cardiorascular system‚ or by its toxic carcinogenic effects. Transport is the greatest source of air pollutions‚ owing to increased numbers of cars in the city. Moreover‚ manufacturing and factories are another reason for air pollution. Results from the government not having suitable policy on air pollution are becoming more and more
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Promoting Molly’s health and wellbeing. The purpose of this essay will to be to promote Molly’s health and wellbeing through evidence based theory and practice (Refer to appendix 1 for Molly scenario). Molly has various health needs that necessitate the need for health promotion such as the risk of postnatal depression. However‚ for the purpose of this essay‚ the focus will be her type 2 diabetes health need. There are several bio-psychosocial factors that contribute to Molly’s health and wellbeing
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Indian Life Insurance Industry in Post Liberalization Dr.Anshuja Tiwari‚ Assistant Professor‚ Barkatullah University Babita Yadav‚ Faculty of Managment Abstract India is fast emerging on the world map as a strong economy and a global power. With a huge population and large untapped market‚ life insurance happens to be a big opportunity in India. Soon after the liberalization‚ there was a remarkable improvement in the Indian life insurance industry. After 1991‚ the Indian life insurance industry
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Chapter 1:History ……………………………………………………………..2 -Insurance Business -India’s Insurance Business Chapter 2: Insurance sector reforms…………………………………………4 Chapter 3: IRDA……………… ……………………………………………….5 -History -Powers‚ Duties & Functions Chapter 4: Non –Life Insurance companies…. ……………………………8 Chapter 5: General Insurance Products …………………………………….9 Chapter 1 History of Insurance Business Insurance probably made a beginning in the ancient land of Babylonia
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INSURANCE COMPANIES Insurance companies play an important role in an economy in that they are risk bearers or the underwriters of risk for a wide range of insurable events. Moreover‚ beyond their risk bearer role‚ insurance companies are major participants in the financial market as investors. To understand why‚ we will explain the basic economics of the insurance industry. As compensation for insurance companies selling protection against the occurrence of future events‚ they receive one or more
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The Nature of Insurance came about to offset any loss that an individual or those engaged in business may suffer through the occurrence of some unforeseen event. To offset this loss the commercial world developed the contract of insurance. In return for a fee the individual‚ or the business enterprise‚ would be indemnified for the loss suffered on the occurrence of the event insured against. Contracts of insurance cover a wide field such as life assurance‚ personal accident public liability‚ damage
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Life insurance is becoming more and more popular with many people now realizing the importance and the benefits of a good life insurance policy. There are two main types of popular life insurance‚ both of which offer a range of invaluable benefits to consumers. Level term life insurance is the most popular type of life insurance policy with consumers‚ and this may be because it is also the cheapest form of insurance. With level term insurance‚ you and your family can enjoy peace of mind at an
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The three management skills that mentioned by Robert Katz are conceptual‚ interpersonal and technical skills. In order to be a successful manager‚ containing these three skills will give him a strong impact to his career and also the success of the organization. Conceptual skills are skills that utilize the ability of a human to form concepts. Such skills include thinking creatively‚ formulating abstractions‚ analyzing complex situations‚ and solving problems. A manager have such ability can understand
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